When I went independent last year, I assumed I’d be able to get private coverage for my wife and me, as there wasn’t a gap in coverage. But they turned us down for pre-existing conditions. So we are waiting for Health Care Reform to kick in, in 2014. 19 months ago
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So I don’t have to spend a lot of money in hospital bills, see y I always have headaches 22 months ago
How I did it: I found out that at my work it wasn't after 90 days I'd be eligible but after 1000 worked hours, which was roughly 7 months with the average hours I was getting (even when I asked for more). Right after I turned 26, and my insurance coverage would end through my parents, I researched and applied for insurance online. I applied to one, waited, but then was denied. I had a short of depression years ago. But they told me I had to be "sign and symptom free for 10 years" in order to be elligible. Naturally, I was angry and not planning on waiting 10 years to get health insurance. I knew the game I had to play, and it is a game.
That's when I took my friends suggestion to look into short-term health insurance which is generally easier to get. I did receive it the second go around, and I am so thankful. Although my health insurance covers very limited things I'm lucky that I can see a doctor when I need to, go to the ER when I need to, and get meds (only generic) when I need to.
Because I knew my health insurance was lacking, I also signed up for the Walgreens Perscription Savings Club, it's not insurance but it is a discount card you can use to cover meds not covered by insurance. Because my health insurance only covers generic meds I knew the Walgreens program would cover most brand name ones. Read how I did it… 2 years ago